A method and system for issuing an insurance underwriting instrument using at least one computing processor. The system includes a computer processor and a first and second query-able plurality of memory locations storing data indicative of images of a plurality of forms associated with a particular type of fidelity or surety bond and data indicative of policies respectively. The system further includes a user interface for inputting data indicative of an insurance client and of the fidelity or surety bond. A calculator application is included which automatically calculates a premium for the insurance underwriting instrument based on the input data using the computer processor. The system includes software for selecting a sub-set of the data indicative of the images and software for automatically rendering the bond to be issued using the data of bond customer.